Estonia: 2026 Swiss health premiums for residents
Estonia — 12 insurers accept a policyholder living there, from CHF 141.40 to CHF 422.30 a month, for cover identical under Swiss law.
Between the cheapest and the dearest, the gap reaches CHF 3'371 a year. The cover is the same: the law sets it, not the insurer.
| Insurer | Adult (26+) | Young adult (19–25) | Child (0–18) | Accident surcharge |
|---|---|---|---|---|
| Assura-Basis | CHF 141.40 | CHF 141.40 | CHF 49.50 | +CHF 127 |
| SWICA | CHF 164.80 | CHF 123.60 | CHF 39.70 | +CHF 148 |
| Agrisano | CHF 175.80 | CHF 175.80 | CHF 61.80 | +CHF 110 |
| KPT | CHF 181.40 | CHF 167.40 | CHF 53.90 | +CHF 163 |
| ÖKK | CHF 205.60 | CHF 205.60 | CHF 51.50 | +CHF 185 |
| Helsana | CHF 210.20 | CHF 189.20 | CHF 48.30 | +CHF 190 |
| Vivao Sympany | CHF 227.90 | CHF 164.10 | CHF 114.00 | +CHF 205 |
| CONCORDIA | CHF 239.20 | CHF 191.40 | CHF 59.80 | +CHF 154 |
| CSS | CHF 241.80 | CHF 181.40 | CHF 53.20 | +CHF 218 |
| Sanitas | CHF 251.40 | CHF 213.70 | CHF 75.50 | +CHF 223 |
| Mutuel | CHF 299.40 | CHF 239.60 | CHF 114.80 | +CHF 270 |
| Visana | CHF 422.30 | CHF 295.70 | CHF 118.50 | +CHF 253 |
You may be paying twice for accident cover
You work in Switzerland: your employer insures you against accidents under the LAA. The "with accident" variant of basic insurance covers the same risk a second time. Every premium on these pages is therefore shown WITHOUT accident cover — the "accident surcharge" column shows what the redundant variant would cost.
No HMO, no telemedicine, no family doctor
The official file contains only a base tariff for residents abroad. The alternative models that lower premiums inside Switzerland do not exist here. A comparison promising you one would promise something that does not exist.
The other neighbouring countries
Sources
- OFSP — primes de l’assurance-maladie (fichiers officiels)
- OFSP — assurance-maladie : comparaison des primes
Official FOPH EU/EFTA premium file, 2026 edition, reproduced unchanged. CHF 300 deductible for adults and young adults, CHF 0 for children — the only ones available in this file. This page publishes figures; it does not advise between Swiss and local cover.